Checklist
What to review before your Washington auto policy renews
Review seven things before every auto renewal: liability limits, underinsured motorist limits, PIP, deductibles, listed drivers, listed vehicles and their use, and discounts. Ten minutes with the declarations page catches most expensive surprises.
The seven-point renewal checklist
Short answer: Limits, UIM, PIP, deductibles, drivers, vehicles, discounts.
- 1Liability limits — do they protect your home equity and savings?
- 2Underinsured motorist — does it match your liability limits?
- 3PIP — did you keep it, and at what level?
- 4Deductibles — still an amount you could pay tomorrow?
- 5Drivers — anyone added, licensed, moved out or away at college?
- 6Vehicles and use — commute changes, sold cars, rideshare use?
- 7Discounts — multi-policy, safe driver, good student, paid in full
Save this checklist with the policyholder hub, which remembers your progress on this device.
Sources
- RCW 46.29.090 — Washington minimum liability limits
- WA Office of the Insurance Commissioner — Auto insurance
Explanations on this page are general. Your policy documents control what is and isn't covered.
Keep exploring
- Auto insuranceWashington auto insurance explained: the 25/50/10 legal minimum, why most drivers need more, underinsured motorist and PIP, and how to get a car insurance quote locally.
- Policyholder hub
- Why did my auto insurance go up in Washington?Why auto insurance renewals rise in Washington: repair and medical costs, local claim trends, tickets, new drivers and lost discounts — and how to ask your insurer why.
- Review my coverage
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